Think of it as free insurance for your checking account — you only pay for it when you need it.

We understand that even the best laid plans can be turned upside down when life unexpectedly happens. Hopefully, you don't have to worry about your checking account having a negative balance, but when an emergency arises you don't want to worry about being declined.

Rather than automatically returning all unpaid insufficient funds items that you may have, we will consider (without obligation on our part) payment of your reasonable overdrafts up to your assigned Courtesy Pay Limit (up to $800.00).

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (207) 799-7245 or visit our office.

If you do not use Courtesy Pay it costs you nothing.  "Use" means you initiate insufficient funds transactions.

If you do use Courtesy Pay you will be subject to our customary fees set out in our Fee Schedule and Courtesy Pay Policy.

HELPFUL TIPS

• Track balances and transactions through our Online Banking, or by using TellerPhone.

• Keep a transaction register and review your monthly statement.

• Go mobile by downloading our app

• Deposit funds into your Coast Line Account via the Shared Branching Network.